Farm Bureau Insurance operates through state-level organizations, not a single national office, so finding a local agent means starting with your state's Farm Bureau first
Farm Bureau Insurance is sold by independent agents who work through state Farm Bureau organizations. Unlike calling a national 1-800 number, you contact the Farm Bureau in your state, and they connect you with agents in your county or region. Each state runs its own operation — the process in Iowa looks different from the process in Texas — but the first step is always the same: find your state's Farm Bureau website or phone number.
The fastest way to locate an agent near you is to visit the American Farm Bureau Federation's website and use their "Find Your State Farm Bureau" tool. This takes you directly to your state organization's contact page. From there, you can either call their main number and ask for agent referrals in your area, or search their website for an agent locator tool (most states have one). Some states let you request a quote online, which then routes to a local agent who contacts you.
Key Takeaways
- Farm Bureau Insurance is sold through state-level Farm Bureau organizations, not a national company, so you need to contact your specific state first.
- The American Farm Bureau Federation website has a tool to find your state organization's contact information and agent locator.
- Most state Farm Bureaus can connect you with agents in your county within one phone call or through an online search tool.
- Farm Bureau agents typically handle home, auto, life, and farm-specific coverage, so you can often get multiple types of insurance from the same person.
- Having your property details and driving history ready before contacting an agent speeds up the quote process.
Using your state's agent locator tool
Once you reach your state Farm Bureau's website, look for a link labeled "Find an Agent," "Agent Locator," "Get a Quote," or "Contact an Agent." Click that link and enter your zip code or county. The tool will show agents licensed in your area, usually with their phone numbers, office addresses, and sometimes their email addresses or online contact forms.
If your state's website does not have an online locator, call the main Farm Bureau phone number listed on their homepage. Tell the person who answers your zip code and what type of insurance you need (home, auto, farm liability, etc.). They will give you the names and phone numbers of two or three agents who cover your area. Write down the agent's name, phone number, and the counties they serve — this prevents you from calling someone who does not work in your region.
What information to have ready before you call
When you contact an agent, they will ask questions to give you an accurate quote. Having this information ready saves time and means you get a quote the same day instead of waiting for a callback. For auto insurance, have your driver's license number, current policy number (if you have one), and a list of all drivers in your household with their ages and driving records. For home insurance, have your property address, the year your house was built, the square footage, and details about your roof, heating system, and any recent renovations.
If you are looking for farm-specific coverage — liability for equipment, livestock, or farm operations — have details about what you are insuring. This might include the number of acres, types of animals, equipment you own, or whether you hire seasonal workers. The more specific you are, the more accurate the quote will be.
Comparing quotes from multiple agents
Farm Bureau agents work independently, which means their rates and the discounts they offer can vary even within the same state. After you get a quote from one agent, contact one or two others in your area and ask for the same coverage. This takes an extra 20 minutes but often saves you hundreds of dollars per year.
When comparing quotes, make sure each agent is quoting the same coverage limits and deductibles. A quote that looks cheaper might have a higher deductible or lower liability limits. Ask each agent about discounts you might receive — bundling home and auto, paying in full upfront, having safety features on your home, or being a Farm Bureau member can all lower your premium.
What to expect during the process process
Once you choose an agent and decide to move forward, the agent will walk you through an process. This can happen over the phone, in person at their office, or sometimes online through a find portal. The agent will confirm all the information they quoted, answer any questions about coverage, and explain what happens next.
After you submit the process, the insurance company reviews it — this usually takes three to five business days. The agent will contact you to confirm your policy is active and explain when your coverage starts. If you are switching from another insurance company, coordinate the timing so your new Farm Bureau policy starts the day your old policy ends, with no gap in coverage.
If you cannot find an agent in your area
Farm Bureau operates in all 50 states, but not every agent works in every county. If the locator tool shows no agents near you, call your state Farm Bureau's main number and explain your location. They may have agents who cover your area but are not yet listed online, or they can tell you which neighboring county's agents serve your zip code.
If your state genuinely has no Farm Bureau agents in your when ready area, ask the state office whether they can refer you to an agent in the nearest town or whether they offer mail-in or phone-based service. Some states have agents who cover large rural areas and handle everything by phone and mail.
Understanding Farm Bureau membership and insurance
Farm Bureau Insurance is separate from Farm Bureau membership, though many people have both. You do not have to be a Farm Bureau member to buy insurance from a Farm Bureau agent. However, some states offer discounts if you are a member, so ask your agent whether joining would lower your premium. Farm Bureau membership typically costs $50 to $200 per year depending on the state and includes access to member discounts at local businesses, farm advocacy, and educational resources.
If you are already a Farm Bureau member, mention this when you contact an agent — it may may have access to you for a discount on your insurance premium.
Frequently Asked Questions
Do I have to be a farmer to buy Farm Bureau Insurance?
No. Farm Bureau Insurance sells home, auto, and life insurance to anyone, whether you farm or live in town. If you do farm, they also offer specialized farm liability and equipment coverage. You do not need to be a Farm Bureau member to purchase insurance.
Can I get a quote online without talking to an agent?
Some states allow you to start a quote on their website, but most require you to speak with an agent to complete it. The agent needs details about your property or driving history that an online form cannot always capture accurately. Even if you start online, expect a phone call from an agent to finalize your quote.
What if I move to a different state?
Your current Farm Bureau policy does not automatically transfer. Contact your current agent to cancel your policy, then follow the same process to find an agent in your new state. Some states' Farm Bureau organizations can refer you to agents in your new location if you call them directly.
How long does it take to get a policy after I explore?
Most policies are approved and active within three to five business days. If you need coverage to start sooner, tell your agent when you explore — they can sometimes expedite the review or provide temporary coverage while the process is being processed.
Can I bundle different types of insurance with one Farm Bureau agent?
Yes. Most Farm Bureau agents sell home, auto, life, and farm-specific insurance. Bundling multiple policies with the same agent usually qualifies you for a discount and makes managing your insurance simpler since you have one agent and one bill.